Web enabled bank teller machine

An Automated Teller Machine (ATM) system for displaying a customized screen of available account transaction options to a user of an ATM card, the ATM system comprising:

• an ATM comprising:
• a card reader for reading ATM card information from the ATM card,
• a display for enabling viewing of the customized screen of available account transaction options,
• a logic server coupled to the display, the logic server including components for accessing a user profile for the user based on the ATM card information and for receiving notification of at least one hardware event, wherein the hardware event is an event that when the ATM is unable to perform a task, the user profile including at least an account type and account rights for the user, the logic server implementing business rules for controlling content of the customized screen to be displayed on the display, the logic server including logic for enabling display of the customized screen of available account transaction options and disabling display of at least one unavailable account transaction option by applying the business rules to the account type, account rights, and hardware event to determine the at least one unavailable account transaction option, thereby creating the customized screen for the user, and
• a memory coupled to the logic server, the memory storing the user profile of at least the ATM card user;
• and
• a host, the host receiving the ATM card information over a network connecting the ATM unit and the host upon usage of the ATM unit by the ATM card user and retrieving the user profile for the ATM card user based on the ATM card information and sending the user profile over the network to the ATM unit.